I am a native of Chicago, Illinois. My grandparents lived here, my parents live here, all of my brothers and sisters live here. We all grew up with different dreams. My older brother now works as a cop, my younger as a teacher in South Chicago. My younger sisters, who are identical twins, both work as music therapists after graduating from the Music Institute of Chicago. Me? The only thing I ever wanted to be when I was growing up was a veterinarian. I love animals more than I can say so, their well being means a lot to me.

After going through my undergraduate for pre veterinary studies, I began my official study of Veterinary Medicine. I work full time as a burger cook at a local Mom and Pop place. That money just barely keeps me, my cat, my fish, and my two dogs fed, sheltered, and healthy. It can be tough sometimes but it is our life. Recently though, we fell into an especially difficult situation when my pit bull Marco developed some weird behaviors he never had before. As it turned out, Marco had a blockage in his urinary tract, a result of a botched spaying. I was determined to get him help but I didn’t have the money. So, I looked into pay day loans.

The largest payday loan I was allowed to get in Illinois was a thousand dollars or a quarter of my income, whichever was less. Turns out the former was just barely less. This was enough to cover Marco’s procedure which was comforting. I found the application process very easy as I could apply for payday loans online. My credit isn’t perfect but that didn’t stop me from successfully acquiring this type of short term loans.

I was a little weary beforehand about getting into payday loans as I didn’t want to get myself into a situation where I was going to be bullied for the money. As it turns out, United States law protects debtors from bullying tactics and harassment just like it does by regulating other types of lenders. I was told that these cash loans were due between thirteen and thirty days, on the day between those times when my next payday arrived. If my next payday was farther than thirty days away, it would be due in thirty days. In my case, I had to write a post dated check upon receiving my pay day loans to be cashed on my next payday. So long as there was money in my account on that day, the check wouldn’t bounce and we’d be square. Payday loan lenders are the sharks they’re made out to be.

After getting my pay day loans, Marco got the treatment he needed. I paid back the loan in full quickly and am now continuing my journey toward being a vet so that someday, I can take care of dogs like Marco.